ˌcredit ˈreference ˌagency () ( ˈcredit ˌbureau, especially in NAmE )
noun
[] () an organization that keeps information about whether people have paid their debts and provides this information to banks or companies 信用调查机构◆You can ask a credit reference agency for a copy of your report. 你可以要求信用调查机构给你出具一份报告。◆Debts not repaid may be registered with credit reference agencies. 未能偿还的债务可在信用调查机构登记。➡credit rating agency